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I have had a difficult couple of months financially and am struggling with the cost-of-living. The thought of Christmas is filling me with dread, as I know I am going to have to avoid paying bills, such as my council tax and electric bill to afford presents and food. Can you help?

Many are struggling with the cost of energy and other goods and services with the dramatic increases we have seen over the last few months. The lead up to Christmas can be a daunting prospect, especially when we are facing issues with our finances. You are not alone in your situation, especially this year. It …

I have had a difficult couple of months financially and am struggling with the cost-of-living. The thought of Christmas is filling me with dread, as I know I am going to have to avoid paying bills, such as my council tax and electric bill to afford presents and food. Can you help? Read More »

I am a single parent with kids aged two and four, and I am struggling to get by. I can barely afford to keep the lights on – it was bad before, but it seems to have got much worse for me. I work part time and get very little support in terms of benefits. Can you help?

The cost-of-living crisis is having an impact on everyone, particularly those who were struggling before the prices of energy, goods, and services increased. The thing to remember is that you are not alone and there are sources of support that can help! Scottish Child Payment You may be entitled to Scottish Child Payment, which is …

I am a single parent with kids aged two and four, and I am struggling to get by. I can barely afford to keep the lights on – it was bad before, but it seems to have got much worse for me. I work part time and get very little support in terms of benefits. Can you help? Read More »

I am really struggling with my finances at the moment. I am paying out a fortune in utility bills, and recently received notification that my wages will be arrested for non-payment of a debt that I have with one of my creditors. Can you please help?

Once a decree or decision from a court or tribunal has been made, and a ‘charge for payment’ or ‘charge to pay’ has been issued by the creditor and delivered to you, deductions can be made by your employer for debts owed if the process has been followed correctly. If your employer has already started …

I am really struggling with my finances at the moment. I am paying out a fortune in utility bills, and recently received notification that my wages will be arrested for non-payment of a debt that I have with one of my creditors. Can you please help? Read More »

I keep hearing about all the support that is being made available to help with the cost-of-living, but I am unsure where to start. My landlord has told me they will be putting my rent up, my energy costs are sky-high, and I can barely afford to get by. Can you help?

The cost-of-living crisis has left many of us feeling the pinch when it comes to our personal finances. The good news is that there are various sources of support being made available to assist Scottish consumers who are struggling with their various costs. Energy Price Guarantee (Energy Costs) The UK Government has announced the ‘Energy …

I keep hearing about all the support that is being made available to help with the cost-of-living, but I am unsure where to start. My landlord has told me they will be putting my rent up, my energy costs are sky-high, and I can barely afford to get by. Can you help? Read More »

Last year, new neighbours moved in across the street. We assumed that the parties they were having were a novelty, and that the excessive noise they were making would pass, but it has all started again, with other concerning behaviour. What can I do?

If your neighbour is creating too much noise, such as playing loud music or having parties, there are options available to try and resolve the situation. If you feel comfortable, and it is safe to do so, you should try to address the problem directly by talking to your neighbour first. Sometimes, attempting to resolve …

Last year, new neighbours moved in across the street. We assumed that the parties they were having were a novelty, and that the excessive noise they were making would pass, but it has all started again, with other concerning behaviour. What can I do? Read More »

P&O Ferries Redundancy Announcement: Employment Rights

Recent news about staff redundancies and disruption to ferry journeys on P&O ferries may have left staff and customers with questions about what it means for them. On Thursday 17th March 2022, P&O ferries released a statement that all UK sailings had been suspended, pending a major announcement. The announcement was made that 800 crew …

P&O Ferries Redundancy Announcement: Employment Rights Read More »

I live in a property that I rent privately and there is a minor issue with water leaking in through the ceiling in the bathroom. I am having problems getting this sorted. Can you help?

I am sorry to hear that you are having an ongoing issue with repairs in your home. It is important that you report the problem to your landlord as soon as possible, even if it is a relatively very minor issue. If the repair is urgent, you should report this by phoning them to make sure the work is carried …

I live in a property that I rent privately and there is a minor issue with water leaking in through the ceiling in the bathroom. I am having problems getting this sorted. Can you help? Read More »

I have worked for my employer for the last four years, and after returning from a furlough during the pandemic have been advised that I no longer have a job. No reason has been given for this. My employer just says that I no longer work there.

I am sorry to hear that this has happened to you. It is important that you find out the reason that your employer has done this.  As an employee with two or more years’ service, you can request a written statement from your employer giving the reasons why you have been dismissed. The employer must supply this …

I have worked for my employer for the last four years, and after returning from a furlough during the pandemic have been advised that I no longer have a job. No reason has been given for this. My employer just says that I no longer work there. Read More »

The noise from fireworks being set off by my neighbors is terrifying my dog. I have been to the vet, and they prescribed medication, but I want to know what the rules are on fireworks and what I can do. Can you help?

I’m sorry to hear that your dog isn’t having the best of times with the fireworks. Many pet owners take measures at this time of year to reduce their animal’s exposure to the noise from fireworks. Seeking the advice of a vet is one such measure, and medication may be prescribed, as well as other tips …

The noise from fireworks being set off by my neighbors is terrifying my dog. I have been to the vet, and they prescribed medication, but I want to know what the rules are on fireworks and what I can do. Can you help? Read More »

My partner and I recently decided to go our separate ways. We have lived in private rented accommodation since the start of the pandemic, and I am staying in the home – he is going. We are overdue on the rent due to a reduction in working hours. What can

When a relationship breakdown happens, it is important to get financial and practical affairs in order as soon as possible, to avoid any confusion further down the line. If you are named on the tenancy agreement (either as joint or sole tenant), you have a legal / contractual right to live in the property. If …

My partner and I recently decided to go our separate ways. We have lived in private rented accommodation since the start of the pandemic, and I am staying in the home – he is going. We are overdue on the rent due to a reduction in working hours. What can Read More »

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